Equipment Finance Professionals

The datacenter deal on your desk, evaluated like a datacenter.

For equipment finance companies, bank leasing groups, brokers and credit teams. We bring twenty-five years of designing and running HPC datacenters to the credit file, so the questions about site, power and recovery get answered before the deal reaches committee.

Send us a deal See the underwriting training
the problem

The deals are arriving. The files are thin.

Datacenter and GPU deals are reaching credit desks that have never underwritten a facility. The borrower's financials are only part of the story; the questions that decide the credit are about site, power and recovery.

  • A quote for GPU servers, and no evidence of where they will be racked
  • Power described as available, without a contract or a date
  • Residual values nobody on the team can defend

Four tests every datacenter deal has to pass

Our four-test underwriting framework. A deal that fails one is not a deal yet.

  1. 01

    Installed

    Is there a real place to put the equipment: site, colocation contract, landlord waiver, rack density?

  2. 02

    Powered

    Will it have power, when, and at what cost per kilowatt-hour?

  3. 03

    Paid

    Who pays, for how long, and does the contract outlast the loan?

  4. 04

    Recovered

    What does the lender get back: residuals, resale market, removal cost?

what we do

What we do for a lender or a broker

  1. Datacenter Infrastructure

    Pre-underwritten deal packages

    Compute and datacenter deals graded on our four-test framework, with the evidence for each test attached. The credit decision stays with your team.

  2. Datacenter Infrastructure

    Co-broker packaging

    For compute deals a brokerage cannot package on its own. We work the technical side of the file with you, and you keep the relationship.

  3. Technical Financial Models

    Technical financial models

    Facility equipment and GPU servers on separate depreciation curves against the loan balance, with the stress tests a committee will ask for.

  4. Training

    Underwriting datacenter deals

    A workshop on the four tests, worked through on a live example, so your team can screen the next deal on its own.

  5. AI Automation

    Intake, spreading and packaging

    The same borrower keyed into three systems, documents chased for weeks. We automate the collecting, re-keying and reformatting, with a citation on every extracted field, and keep approval with credit.

how to start

Start with one deal

  1. 01

    Send us the file

    A datacenter or GPU deal your team is looking at now, as it stands.

  2. 02

    The four tests

    We grade it on installed, powered, paid and recovered, and name the gaps.

  3. 03

    Your decision

    You decide what to ask the borrower, and whether to bring us the next one.

No model output becomes a credit decision

The four tests organize the questions and the evidence. Eligibility and credit decisions stay with your credit professionals, adverse-action reasons are written by people, and borrower information is never pasted into a public model.

Send us a datacenter deal your team hasn't seen before

We will grade it on the four tests and tell you what the file is missing.

Send us a deal

Financing is arranged with third-party lenders and is subject to lender approval.